Financial Education

Retailers ramping up sales now could lead to customers overspending heading into the holidays. Here's how to stay on top of your finances.

The return of federal student loan payments in October has the potential to derail your finances, especially if you’re already struggling with credit card payments. Here are some strategies to consider as you’re getting started with your repayment plan.

After a summer that might have included more spending than usual, it’s helpful to give yourself a fall financial cleanse.

If you’re one of the millions of Americans with overdue medical bills, you may be able to take steps to ensure this information no longer affects your credit.

Negotiating car prices can be daunting. Doing your research and knowing what you can afford before going to a dealership can help level the playing field.

Coming up with enough cash for a down payment to buy a house can be the single biggest roadblock for prospective home buyers. But how much of a down payment do you really need? That depends on the type of loan, your lender and your priorities.

People are borrowing from their homes' equity the way they used to — and that's a good thing. HELOCs are a valuable financial tool when used responsibly, and their recent revival may be just beginning.

A tax credit is among the most satisfying benefits you can turn up when preparing your return. Credits are a more powerful tax-saving tool than deductions, and common programs, such as the earned income tax credit, can save you thousands.

Buying a used car instead of a new one can have its advantages — like potentially saving you money. Unfortunately, buying a used car also comes with a downside — scams. Knowing these common car-buying scams can help you avoid buying a damaged or unsafe vehicle.

Buying a home may be the first step you take toward building long-term wealth. But it's key to understand the pros and cons of homeownership before taking the plunge.

When it comes to saving money, small changes can add up quickly. Adjusting a few daily habits, cutting monthly bills and leveraging tools that automate savings can collectively make a big impact.

Debt consolidation rolls multiple debts, typically high-interest debt such as credit card bills, into a single payment. Debt consolidation might be a good idea for you if you can get a lower interest rate. That will help you reduce your total debt and reorganize it so you can pay it off faster.

Who doesn’t dream of winning a lot of money or a big prize? That’s why scammers still use the promise of a prize to get your money or personal information. The good news is that there are ways to tell you’re dealing with a scam. Here are three signs of a prize scam.

Buy now, pay later (BNPL) can break up a holiday purchase, but look out for common problems like unexpected fees, tricky returns and the temptation to overspend. If you’re looking to stretch your gifting dollars further, BNPL can seem like the obvious choice. But it’s still debt, and it comes with risks. Here are five common issues you may encounter with BNPL and how to avoid them.

Scammers use email or text messages to try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could get access to your email, bank, or other accounts. Scammers often update their tactics to keep up with the latest news or trends, but here are some common tactics used in phishing emails or text messages.

The holiday season rolls around at the same time each year, but unexpected expenses can catch you, and your wallet, off guard. Creating a holiday budget can help turn those surprises into anticipated costs. It can also give you a solid foundation from the start by saving you lots of time and stress — not to mention also preventing a debt hangover in the new year.

Liquid net worth is a calculation that helps determine the health of your financial safety net. It measures your ability to handle regular and short-term financial needs — and how well you meet your long-term money goals. If you spend most or all of what you earn and find it hard to save, improving your liquid net worth can be an important first step to breaking out of financial insecurity.

When it comes to saving money, small changes can add up quickly. Adjusting a few daily habits, cutting monthly bills and leveraging tools that automate savings can collectively make a big impact. These money tips can help you save for a house or a car or simply save more money out of your salary.

Private student loan borrowers, whose payments aren’t suspended and won’t benefit from any federal cancellation, may be wondering if now is their last chance at a good deal on refinance. The answer is likely yes. Experts from Goldman Sachs anticipate up to seven federal funds target rate hikes this year, but rates can rise in anticipation as well.

Often borrowers think co-signers and co-borrowers are the same, but they are different in several ways. A second person on an auto loan is quite common, and most borrowers simply need the stronger credit profile of a co-signer. But some may need to show the additional income provided by a co-borrower.

Carrying a balance on your credit card may be getting more expensive. Credit card debt can be difficult to manage even in the best of times, but increasingly high interest rates are adding to that challenge. Pay off your debt with these strategies. 

It’s always nice to get a check in the mail, especially when you aren’t expecting it. But be careful before you cash something like this! It could be a scam that will end up costing you much more than the check you took to the bank.

Zelle is a peer-to-peer payment network used by more than 1,000 banking apps. Like other P2P services, Zelle makes it convenient to send money to friends and family using their email address or phone number. But as convenient as it can be for you, it’s also that convenient for scammers who want your money. Learn how to protect your money and what steps to take if you experience a scam.

Fake checks come in many forms. They might look like business or personal checks, cashier’s checks, money orders, or a check delivered electronically. Here’s what you need to know about fake check scams.

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are 10 key tips to getting ahead financially.

So you’re expecting a tax refund this year. With inflation driving up the price of gas, food and nearly everything else, that extra money can’t come soon enough. The hard part is deciding how to spend it. Should you invest the money? Book a trip? If you really want to do yourself a favor, use your refund to pay off debt. Here’s why.